I've been lurking the forums for some time now and finally decided to make an account, so hi!
Hi yerself, and welcome to Bike Forums! For fenders I always recommend
Planet Bike Cascadia Fenders. Great coverage and good bang for the buck! As for the seat height... it may have something to do with your anatomy (torso vs. leg length) or maybe your bike has long crank arms. If it's comfy and you can extend your legs for a full pedal stroke I say don't worry about it. I second the recommendation to ditch the suspension seat post. If you can't afford to replace it right now then remove it and look up the bottom of the tube; you should see a bolt in there. Tighten it as far as you can and that will essentially turn it into a rigid seat post.
Nice bike, BTW!